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Barclays Apple Visa Approved!!! Recon success!

tag
CS800
Super Contributor

Re: Barclays Apple Visa Approved!!! Recon success!

While we are on the subject of Barlcays. Can someone confirm for certain that CLI's with Barclays are always HP unless it's auto CLI?




Message 21 of 36
pizzadude
Credit Mentor

Re: Barclays Apple Visa Approved!!! Recon success!

 

Yep, Barclays always does a HP for consumer initiated CLI requests.  

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 22 of 36
Anonymous
Not applicable

Re: Barclays Apple Visa Approved!!! Recon success!


@pizzadude wrote:

 

Yep, Barclays always does a HP for consumer initiated CLI requests.  


+1

Message 23 of 36
LS2982
Mega Contributor

Re: Barclays Apple Visa Approved!!! Recon success!

that sucks Barclays is HP for CLI's!

Mustang my CrapOne CLI is my credit steps one on my 7th statement.



EQ FICO 548 3/3/16
Message 24 of 36
dblue1
Valued Member

Re: Barclays Apple Visa Approved!!! Recon success!

I applied today and also approved for $1000 after recon. Denial reasons listed were: Insufficient income, length of credit history and low limits on current cards.

 

TU was 682 including two COs(2007) and two CAs. (Settled in 2008/ 2011 in repayment). 

The rep asked about my income $33,000 (wages+child support).

Student Loans $44,000, graduated this year and in deferment, will be IBR next yr.

COs and why it happened.

Noted my good payment history on two rebuilder cards that are 1yr old. ($500/550 limits)


Starting Score: 656
Current Score: 698
Goal Score: 700s


Take the FICO Fitness Challenge


Message 25 of 36
CS800
Super Contributor

Re: Barclays Apple Visa Approved!!! Recon success!


@LS2982 wrote:
that sucks Barclays is HP for CLI's!

Mustang my CrapOne CLI is my credit steps one on my 7th statement.

I'm using my Barclay apple heavily and paying it off. Not sure if I would even want a HP for a CLI.

 

I'm at $4200 CL already and from what I have seen this card doesnt go too high.




Message 26 of 36
teenastie
Established Contributor

Re: Barclays Apple Visa Approved!!! Recon success!

To be clear,

 

Barclay's HP for ***Customer initiated CLIs*** Barclay will auto CLI they do not HP for auto CLI's and according to the posters on this site they are frequent and robust CLI's. Patience is key!!!



Message 27 of 36
LS2982
Mega Contributor

Re: Barclays Apple Visa Approved!!! Recon success!


@teenastie wrote:

To be clear,

 

Barclay's HP for ***Customer initiated CLIs*** Barclay will auto CLI they do not HP for auto CLI's and according to the posters on this site they are frequent and robust CLI's. Patience is key!!!


Very nice! I prolly have a shot at that if I close out my other rebuilder cards and use them exclusively.




EQ FICO 548 3/3/16
Message 28 of 36
Anonymous
Not applicable

Re: Information Please

Could anyone tell me if Barclay's would approve a FiCO score of 650 for the apple financing?  I tried calling several times but was told that the wait would be more than 45 min to an hour.  Before applying and getting an unnecessary inquiry as I'm trying to rebuild I thought some of you knowledgeable people might be able to give some insight.  I appreciate the help.

Message 29 of 36
Anonymous
Not applicable

Re: Barclays Apple Visa Approved!!! Recon success!

CONGRATULATIONS  LS2982!!! Smiley Happy 

 
Message 30 of 36
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